Synopsis

Meet Denise Richardson—an innocent and ordinary American with once perfect credit—who made the unfortunate decision to make additional principal payments on her mortgage. Like millions of other Americans, she wrote a mortgage check out every month and sent it in a timely manner, noting her extra principal payment on the coupon supplied by her bank. Denise Richardson’s simple act of pre-paying her mortgage sparked a series of unbelievable, interlocking events that would consume her life for more than a decade, leaving her once ordinary life in shambles. But her story did not end there. New and different credit problems would continue to invade her life and contaminate her once perfect credit rating. Whether caused by identity theft, bogus medical bills, accounting errors or illegal collection attempts –the result was the same...the credit she had worked so hard to protect was once again destroyed–through no fault of her own. If you believe that simply paying your bills on time will prevent this nightmare from happening to you – this book might cause you to replace your false sense of security with watchfulness and caution when it comes to guarding your credit and good name. Richardson never missed a payment, nor were her payments ever late –yet the last fifteen years of her life have been consumed with fighting to reclaim her good credit rating. Her shocking story tells of the absurd lengths an innocent consumer had to go to in order to stand up to a severely flawed credit and collection industry.

Richardson’s real-life credit nightmare shows what can happen when the laws meant to protect us are riddled with loopholes and the multi-billion dollar credit and debt-buying industries are not held accountable for egregious actions that harm the lives of innocent consumers.

Give Me Back My Credit! helps answer these and other questions:
• Do you know how to get debts that you don’t owe removed from your credit file?
 
• Do you know why it’s important to review your monthly statements to see how your loan payments are being applied?
 
• If you pay additional principal on your mortgage, auto or student loans, do you know how these additional funds are applied?
 
• Are collection companies harassing you about a bill you supposedly owe? Don’t just pay it believing that by doing the problem will simply go away. Chances are you don’t owe it!
 
• Do we have the best laws money can buy? Learn why your voice and your story matter.
 
• Do you know who to turn to and who to avoid if you find your credit identity erroneously altered?

Give Me Back My Credit! is a modern day David and Goliath tale, in which one lone woman went head to head against corporate America to fight not only for her own rights, but for the rights of all those who would unwittingly follow in her footsteps.